Pennsylvania Auto Insurance
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Pennsylvania Auto Insurance Requirements
Driving without the required coverage limits can result in suspension of your driver’s license. If suspended, you’ll be required to surrender your license plate, registration sticker, and driver’s license. In Pennsylvania, driving is a privilege, not a right.
What follows is an overview of Pennsylvania auto insurance requirements.
- Liability: Consisting of bodily injury and property damage liability, drivers must have coverage of at least 15/30/5. If you’re found at fault and have chosen these limits, your insurer pays a maximum of $15,000 per person and $30,000 per accident for medical and rehabilitation bills, and a maximum of $5,000 for property damage. These are the minimums required by law and if you want, you can choose higher limits for added protection.
- Medical Benefits: Pennsylvania also has a Medical Benefits coverage requirement of at least $5,000. No matter which party is at fault, this coverage pays your medical bills as well as the bills of those covered in your policy. Like liability, you can choose higher limits.
- Full Tort Coverage: You’ll also have to choose whether you want limited or full tort coverage. Limited tort coverage is more affordable, but has limits on what you’re able to recover from certain damages. With full tort coverage, there are no restrictions on your rights to sue the at-fault party.
Optional Coverage
Anything else an auto insurance company offers in terms of coverage is an optional purchase. Here’s a summary of other coverage and how it protects.
- Collision/Comprehensive: These protect your vehicle by covering the repair costs (minus your deductible) due to damage by a collision or by reasons over which you have no control (comprehensive). Situations beyond your control include theft, vandalism, weather, earthquakes, and animal strikes. While considered optional coverage, they’ll probably be required if you plan to lease or finance your auto. Chances are your loan won’t be approved without them.
- Uninsured/Underinsured Motorist: This coverage pays your bodily injury expenses if the at-fault party has no insurance or has insurance but it is not enough to pay all your bills. Neither pays to repair your vehicle.
Commonwealth of Pennsylvania Insurance Department
For answers to your auto insurance questions, contact the Commonwealth of Pennsylvania Insurance Department at 877-881-6388 or visit www.ins.state.pa.us/.